Marcus Malesela

Put time on your side To start with your investment process – we need to develop a strategy.   Develop specific strategies Have a clear concise, and well-defined investment planning process. Set Goals [make a plan] Get Experts help when needed [ understand the regulation environment] Set a time frame Establish risk tolerance Diversify Review plans   Which far ado let’s dive into it – let’s say you are 20 years which I wish I were, with the knowledge I have at my disposal yet that’s a story for another day. You are 20, and just out of university not saying this process is only for those who went to university – you want to save for your retirement. How much must you save each year at 10% to accomplish the goal of a million at age 65? The answer is that it will take a lot of effort, and some discipline – R 4 000 per year that’s a lot of money to some people, I also thought it was before I could even start taking my life seriously. The price is going up, but it is not yet out of our reac

Before You Consult With An Attorney To Discuss Bankruptcy When times get really tough: The number of bankruptcies has increased dramatically over the past decade, there still is a stigma attached to it that makes future dealings with lenders, and creditors difficult at best. The day may come when cash flow becomes an issue that precipitates a business filing for bankruptcy, bad things do happen to good people, including honest and even successful companies and departments that have spun momentarily out of orbit – it could even happen to you. But before entrepreneurs start to jump ships, and call it quit, hand themselves to the authority or even hit flight-mode – they should ask themselves the following five questions : 1.      Have I done any best in negotiating with creditors and suppliers to become partners in helping me out of this crisis? Do they understand the severity of my situation? Have I done honest with them in terms of cash availability and payment terms? 2.      Have I don